Sanitas Médecin de famille 3 — Region 2, Lucerne
Region 2, Lucerne: the Médecin de famille 3 model from Sanitas costs CHF 474.20 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 474.20, Médecin de famille 3 is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Médecin de famille 3 costs CHF 428.40 less per year than Sanitas's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 474.20 | CHF 441.50 |
| 500 | CHF 462.60 | CHF 430.70 |
| 1'000 | CHF 433.40 | CHF 403.50 |
| 1'500 | CHF 404.20 | CHF 376.30 |
| 2'000 | CHF 375.10 | CHF 349.20 |
| 2'500 | CHF 345.90 | CHF 322.05 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 331.40 | CHF 308.55 |
| 500 | CHF 319.80 | CHF 297.75 |
| 1'000 | CHF 290.60 | CHF 270.55 |
| 1'500 | CHF 261.40 | CHF 243.35 |
| 2'000 | CHF 232.30 | CHF 216.25 |
| 2'500 | CHF 203.10 | CHF 189.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.20 | CHF 111.90 |
| 100 | CHF 114.40 | CHF 106.50 |
| 200 | CHF 108.60 | CHF 101.10 |
| 300 | CHF 102.70 | CHF 95.60 |
| 400 | CHF 96.90 | CHF 90.20 |
| 500 | CHF 91.10 | CHF 84.80 |
| 600 | CHF 85.20 | CHF 79.30 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.